Is homeowners insurance included in mortgage?

Learn what a flood certification is, why lenders require it, and how it determines whether your property is in a FEMA-designated flood zone requiring insurance. Read more

Is escrow required for a mortgage? Understand when escrow accounts are optional, how they work, & why choosing one could help you secure a better mortgage rate. Read more

Here we explain where and when you’ll be likely to pay property tax and insurance charges as part of your closing costs for a loan refinance. Read more